Transunion mail credit report
TransUnion is one of the three major credit reporting agencies in the United States, along with Equifax and Experian. If you've received a mail credit report from TransUnion, it's likely because you've requested a copy of your credit report or because you're a victim of identity theft and are trying to monitor your credit.
Here's what you can expect to see on a TransUnion credit report:
- Personal Information: Your name, address, date of birth, and Social Security number (redacted for security purposes).
- Credit Accounts: A list of your credit accounts, including credit cards, loans, mortgages, and other types of credit. This will include the account name, account number, credit limit, and payment history.
- Payment History: A record of your payment history for each account, including late payments, missed payments, and accounts sent to collections.
- Credit Utilization: A calculation of how much credit you're using compared to the credit available to you. This is often expressed as a percentage.
- Public Records: A list of any public records, such as bankruptcies, foreclosures, and tax liens, that may be affecting your credit score.
- Inquiries: A list of companies that have requested your credit report in the past year, along with the date of the inquiry.
- Credit Score: TransUnion provides a credit score, which is a three-digit number that represents your creditworthiness. The score ranges from 300 to 850, with higher scores indicating better credit.
What to do with your TransUnion credit report:
- Review your report carefully: Check for any errors or inaccuracies on your report and dispute them with TransUnion if necessary.
- Monitor your credit score: Keep an eye on your credit score and work to improve it by paying your bills on time, keeping credit utilization low, and avoiding new credit inquiries.
- Use it to monitor your credit: Regularly reviewing your credit report can help you detect identity theft or other credit-related issues early on.
- Consider freezing your credit: If you're concerned about identity theft, you may want to consider freezing your credit report with TransUnion and the other major credit reporting agencies.
Remember, you're entitled to a free credit report from each of the three major credit reporting agencies once every 12 months. You can request your free report from AnnualCreditReport.com.